After restart (not first ever restart, just a random one) Wallpaper isn't displaying and everything is slow. Help!

Had Tahoe update pending but it didn't install, however automatic updates WERE on (oops). The only installs I see from apple are XProtectPlistConfigData and XProtectCloudKitUpdate.

There are other UI bugs other than the wallpaper...folder icons in finder are black outlines. Nothing too unusual in Activity Monitor (previous slow OCLP installs for me almost always featured 400% loads from various apple services).

So what do I do? Start from scratch?